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539 W Keller St, Hernando, FL 34442 Property Records

Citrus County property record for 539 W Keller St, Hernando, FL 34442

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 2,380 sqft · built 1985
Lot Size1.2 acres (52,626 sqft)
Owner2 Company Names on Record
Last Sale$195,000 (Sep 2008)
Tax Bill$1,096 (2025)
Deeds & MortgagesDec 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN19E-18S-18-0110-00410-0040

Property Details

APN / Parcel Number

Primary APN19E-18S-18-0110-00410-0040
Alternative APNs
  • 1818S19E0110004100040
  • 2300566

Interior

Bedrooms3 Beds
Full Baths4 Baths
Stories1 Story
Building Area2,380 sqft Living Area
Gross Area3,317 sqft
1st Floor Area2,380 sqft
FlooringConcrete/Cement

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1990
Exterior MaterialCombination
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialFiberglass
Lot Area52,626 sqft (1.2 acres)
Lot Dimensions331 ft deep x 153 ft wide
Garage TypeAttached
Garage Area609 sqft
Parking Spaces7 Parking Spaces

Exterior Amenities

Pool Area544 sqft
PorchFinished/Screened Porch
Porch Area358 sqft
Utility Building70 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number2300566
Street Address539 W KELLER ST
CityHERNANDO
StateFL
Zip34442-8808
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCRR
Legal DescriptionCITRUS HILLS 1ST ADD PB 9 PG 73 LOT 4 BLK 41
Legal Range18E
Legal Township18S
Legal Section25
Legal SubdivisionCITRUS HILLS 1ST ADD (PB9-73)
Legal Block41
Legal Lot Number4
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group2
Census Block2000
Census Tract450703

Owner

Source: Citrus County records, as of March 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Company Names on Record
Mailing Address539 W KELLER ST, HERNANDO, FL 34442-8808
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 2, 2008 · Amount on Record
Deed SaleSep 2, 2008 · Amount on Record
Prior SaleJun 1, 1998 · Amount on Record
Deed Document Number200842215
Deed Book / Page2239 / 600
Last Transfer DateJun 5, 2024
Transfer Doc0035161565
Record UpdatedJun 8, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address539 W KELLER ST, HERNANDO, FL 34442-8808
Document Number0030272410
Instrument DateDec 21, 2019
Transaction TypeMortgage
Record UpdatedJan 28, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address539 W KELLER ST HERNANDO FL 344428808, HERNANDO, FL 34442-8808

Mortgage

Document Number0030272410
DateDec 30, 2019
Book Page003027/002410
Instrument67433
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueDec 29, 2029

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,096.00 (+8.19%)$103,351 (-68.87%)$315,953 (-4.84%) Land $31,000 Building $284,953
2024$1,013.00 (+3.58%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$332,032 (+2.35%) Land $29,500 Building $302,532$332,032 (+2.35%) Land $29,500 Building $302,532
2023$978.00 (-0.31%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$324,405 (+20.23%) Land $25,500 Building $298,905$324,405 (+20.23%) Land $25,500 Building $298,905
2022$981.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed$269,818 Land $17,250 Building $252,568$269,818 Land $17,250 Building $252,568

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 32 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies32 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITRUS CO UTL/CHARLES A. BLACK
serves 29,218 people · EPA ID FL6094948
Water SourceGroundwater
Last State InspectionOct 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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